Project Overview
In 2025, we assisted a local business owner based in the Bedale area who approached us for help with his commercial vehicle insurance. He was specifically looking for trusted, face-to-face advice from a local firm rather than dealing with an online-only provider. As experienced insurance brokers in Bedale, we regularly meet business owners who feel frustrated or uncertain about their cover. In this case, the situation was more serious, as the client had unknowingly been left exposed due to incorrect policy arrangements.
Contact UsThe Challenge
The client had been insured through an online provider. He had previously informed the insurer that he was dyslexic and found online portals difficult to manage, particularly where usernames and passwords were required. He had been assured that correspondence would be sent directly via email. Unfortunately, this agreement was not followed. Important documentation was instead uploaded to an online portal, and when the client did not access it, one of his commercial vehicle policies was cancelled for non-payment. A few days later, he received notification of the cancellation. When he contacted the insurer to explain the situation, they refused to reinstate the policy. When he visited our office at Bedale Hall, we carried out a full review of his remaining vehicle cover. During this review, we discovered that both policies had been arranged using his lower-risk, part-time occupation, while completely omitting his full-time occupation, which is considered higher risk and can be more difficult to insure. This raised serious concerns. If a claim had arisen, there was a real risk that it may not have been paid due to incorrect disclosure. The client was understandably upset and concerned about the implications. Most importantly, he wanted reassurance, clarity, and the opportunity to speak directly with someone who would take the time to understand his circumstances.
See Vehicle InsuranceOur Solution
We arranged a face-to-face meeting at our office to assess his full insurance needs properly. As part of our solution, we: Arranged a business mini fleet policy covering both commercial vehicles under one structured arrangement Made full disclosure to the new insurer regarding the previous cancellation, confirming that it was through no fault of the client Ensured accurate disclosure of both his main and part-time occupations Arranged an additional policy to protect against his high excess, which had increased due to his occupation Every element of the policy was discussed clearly and transparently. We ensured the insurer understood the full risk profile so that the client would be properly protected in the event of a claim. To accommodate his work commitments, we also arranged meetings outside of standard working hours, including a weekend appointment, so cover could be put in place as quickly as possible.
See More ServicesBefore & After Summary
Before: One vehicle policy was cancelled for non-payment Incorrect occupation disclosure Risk of claim refusal No clear point of contact Frustration with online-only communication After: Both vehicles are correctly insured under a mini fleet policy Full and accurate disclosure Excess protection policy added Clear understanding of cover Direct access to a local broker in Bedale
Get In Touch NowThe Outcome
The client now has confidence that his vehicles are insured correctly and transparently. He has a single point of contact for any future amendments, renewals, or advice. He later commented: "Whilst it cost me more to arrange the correct policy with Mike, I at least now know that I am covered properly. I had paid the other company a lot of money to insure my vehicles but in the event of a claim I really do not believe I would have been paid out. I am now taking my Public Liability insurance and my Landlord insurance policies to Mike to ask him to check those over for me too. As a business in the Bedale area, I am pleased that I can get such good service and advice locally." This case highlights a key principle we stand by as independent insurance specialists in Bedale. Insurance must be arranged correctly, not simply cheaply or quickly.
Read Our ReviewsWho We Support Across North Yorkshire
From our office in Bedale, we regularly support clients across: Bedale Northallerton Ripon Richmond Thirsk Leyburn We work with: Residential and commercial landlords Business owners Self-employed tradespeople and contractors Property owners and developers Operators of commercial vehicles and tools in transit
View Bedale LocationWhy Choose Scanlan Insurance Brokers
-Over 60 years of combined industry experience -Family-owned and community-focused -Authorised and regulated by the Financial Conduct Authority -Members of the British Insurance Brokers’ Association -Access to over 350 insurers -Available by phone, video, email, or in person -Clear advice with no jargon
Find Out More About UsSpeak to a Local Insurance Broker in Bedale
If you are unsure whether your current insurance is arranged correctly, or you would like a professional review of your policies, we are here to help.
Call: 01677 988033
Email: [email protected]
Proper insurance advice begins with a conversation.